What is IMPS Reference Number & How To Track It? | HDFC Bank (2024)

What is an IMPS Reference Number?

Why is the IMPS Reference Number important?

• Proof of confirmation

  It acts as proof of confirmation, implying that the transaction has been completed successfully and money has been credited to the recipient’s account. You can use this number as evidence of fund transfer in case of any queries that may arise in future.

• Dispute resolution

  You can use a reference number to resolve disputes. You can share the reference number bank’s customer support to investigate or resolve any discrepancies.

• Transaction tracking

  See Also

  Money debited from account after failed IMPS transaction,what to do now?IMPS vs NEFT: Difference Between IMPS and NEFT Fund TransferWhat Is IMPS Reference Number and How Can You Track It?HDFC NEFT Charges - Types, Fees, Requirements, Steps to Use

  The reference number allows you to track the status of your IMPS transactions. Using the reference number, you can retrieve detailed updates about specific IMPS transactions.

Understanding IMPS fund transfers

Immediate Payment Service is a fast and secure interbank electronic fund transfer service. It enables you to transfer money instantly from your bank account to other bank accounts. IMPS is accessible through multiple channels, which include:

• Mobile Banking

• Internet Banking

• ATMs

• Bank Branch

• SMS services

How to track IMPS transactions using the reference number?

1. Tracking IMPS transactions through Internet Banking

1. Visit the HDFC Bank Internet Banking portal.

2. Login to your HDFC Bank account using your credentials.

3. Click on the ‘Funds Transfer’ option.

   See Also

   10 Top Advantages and Disadvantages of IMPS Payment | NTT DATA Payment Service

4. In the Enquire section, Click on ‘View IMPS Funds Transfer.’

5. Enter the Reference Number of the transaction you want to track/view.

2. Using Mobile Banking application to track IMPS transactions

1. Login to the HDFC Mobile Banking application.

2. Tap on the ‘Money Transfer’ tab.

3. Navigate to view the list of transactions list under ‘History.’

4. Tap on the ‘Status’ to view transaction details.

What is the limit on IMPS fund transfers?

• If you are using an account number to make an IMPS transaction:

  • The maximum amount you can transfer per transaction is ₹5,00,000.

  • For third-party transactions, the maximum amount that you can transfer in a day depends on the TPT limits prescribed by HDFC Bank.

• If you are using MMID for IMPS transactions:

  • ₹5000 is permissible per day for IMPS transfers through both NetBanking and Mobile Banking channels.

How to resolve issues with IMPS transactions?

If your IMPS transaction fails or if you are unable to check the status of your transaction, you need to wait for 24 to 48 hours for the funds to be reversed to your account or credited to the recipient's account. If you do not receive any transaction updates after this timeframe, please feel free to contact us at our toll-free number 1800 1600 / 1800 2600 or send us a written inquiry.

• Transaction Reference Number.

• Amount of transaction.

• Date of transaction.

• Beneficiary bank name.

Wrapping up

While the IMPS Reference Number helps users in various aspects, it is essential to make sure that it does not end up in the wrong hands. Treat your reference number as sensitive information and refrain from sharing it with anyone other than the authorised representatives of the bank or the beneficiary.